Does Walmart Cash International Checks? Foreign and Canadian Checks

With over 4,700 stores in the United States alone, Walmart has become a staple in the American household. It gets customers visiting its stores worldwide each week.

Walmart is known for its wide range of quality affordable products, including clothing, health and pharmacy supplies, beauty products, various stamps, new and used electronics like toys and Amazon Fire Sticks, automotive products like rotors, kitchen gadgets like cheesecloths, groceries like wonton wrappers, home furnishings, sell alcohol and more.

Walmart serves a variety of guests as a result of its popularity. Many of its clients are on the move and could only have access to foreign checks.

International checks can be used to transfer money between banks across borders, but in the US, they are challenging to cash.

The procedure might be frustrating. Where then may you cash a foreign check?

Our information will assist in providing answers to queries regarding foreign check processing at Walmart, processing Canadian checks, and cashing foreign checks at your neighborhood bank.

Does Walmart Cash International Checks?

Walmart does not accept checks from abroad. Yet, Canadian checks drawn on American banks can be cashed using US dollars. You can also deposit international checks at the nearby bank, but the clearing process will take longer. After the funds have cleared, you can withdraw the money.

Why Walmart Does Not Cash International Checks?

The does not cash international checks due to the lengthy process of completing the transaction and the potential complications along the way. 

Although the foreign check can be negotiated or picked up from the foreign bank through Walmart, the processing time may exceed a month. Additionally, fraud may affect Walmart and other financial institutions.

Regrettably, check scams can also target regional American banks. The only way to access the money is to deposit the foreign checks at your neighborhood US bank.

For inquiries, you can visit your nearest Service desk at Walmart open during shop hours or reach out to the customer service department at 1-800-925-6278.

Does Walmart Cash Canadian Checks?

Yes, Walmart’s in-store Money Centers do accept Canadian checks. It’s crucial to remember that Canadian checks are only accepted at Walmart if they are obtained from a bank that has offices both in the United States and Canada and are written in US currency.

The following requirements must be met by Walmart before a Canadian cheque can be cashed:

  • Checks must be for less than $5,000 to be accepted.
  • Cashing handwritten checks are not accepted
  • You must have a legitimate photo ID and social security number.

How to Cash Canadian Checks at Walmart?

A government-issued photo ID and the customer’s social security number are required in order to cash a Canadian check at Walmart. State IDs, drivers licenses, and other IDs, for instance, are acceptable forms of identification when cashing Canadian checks at Walmart.

Also, note that Walmart Money Centers only accept Canadian checks in US currency. In addition, they must be issued by banks with locations in Canada and the United States, including but not limited to HSBC, Chase, TD Bank, Wells Fargo, Citigroup, and Bank of America.

Assuming you meet the requirements, the will be electronically verified using a third-party system in the Walmart Money Center. and will run your check information through their check verification systems to verify, guarantee, and evaluate risk.

Once a check is run through the system, the Walmart Money Center associate can decide whether to accept the check based on the results. Once a check is approved, associates will deduct any check cashing fees and then pay the funds. 

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Does Walmart Have a Limit on Cashing Canadian Checks?

True, from May to December, Walmart puts a $5,000 cap on Canadian checks it will pay. During tax season, which runs from January through April, the cap is raised to $7,500. Cards, however, can only be cashed for up to $1,000 in a single transaction.

The Walmart cash checking restrictions apply to checks from both the United States and Canada.

See our guide on the Walmart has a maximum cash withdrawal limit for Netspend.

What’s the Walmart Fee to Cash Canadian Checks?

Checks from the US and Canada are cashed at Walmart for the same price. For checks up to $1,000, the maximum fee is $4. The maximum fee for checks written between $1,000 and $5,000 is $8.

Moreover, customers can and load funds onto it for only a $3 fee. The Walmart MoneyCard can be used at any place that accepts Visa or MasterCard.

It’s important to keep in mind that the Walmart MoneyCard is a credit card whose limit is determined by you. The amount of money you load onto the card determines the limit. When the card’s balance starts to run low, you can reload it.

See our guide on the The greatest strategy to reduce your monthly expenses and use a stolen credit card.

What Banks Cash Canadian Checks?

In most American banks, Canadian checks can be cashed or deposited. Despite the convenience, you will need to wait a while for the check to clear before you can get your money.

It is advisable to utilize a cross-border bank, either an American bank with a branch in Canada or a Canadian bank with a branch in the US, to receive your money more quickly.

Top banks for check cashing with locations in the US and Canada:

  • TD Bank
  • Chase
  • Wells Fargo
  • Bank of America
  • HSBC Bank USA
  • Citigroup
  • BMO Harris
  • CIBC

The holding periods, charges, and foreign exchange rates will differ between the banks.

What Places Don’t Cash Canadian Checks?

Due to risk and financial expertise, the majority of US retailers rarely accept Canadian checks.

The following locations do not accept Canadian checks:

How to Cash an International Check at a Bank?

It takes time to cash an international check at a bank. The check frequently takes longer than a month and occasionally even two months to clear.

The steps to cashing a foreign cheque at your neighborhood bank are as follows:

  1. Verify the Bank Accepts Foreign Checks Examine your Bank’s Foreign Check Cashing Policy. It may not be possible for small banks or regional credit unions to cash it.
  2. Deposit the Check – Deposit the international check in your savings or checking account. Most banks will freeze the deposited funds until they clear, which can take 30-45 days. Maintain a positive balance and watch for any direct deposits that will result in an overdraft.
  3. Partial Payment If the bank makes a partial payment but the check is returned due to fraud or insufficient money, you will be responsible for making up the difference.

An international check will be deposited by your bank at the going rate of exchange. Moreover, a processing fee will be charged to you based on the value of the deposited check and the bank’s fee policy.

Walmart Cash International Checks Summary

Walmart does not cash international checks, as well as most stores in the US. Although, Walmart does offer financial services, including purchase today, pay later services, development of disposable camera film, carpet cleaner rental, coin counter that is free and nearby for gift cards, making spare keys, and accepting Venmo both online and offline. Unfortunately, they don’t make copies nor Online or in-store, use Apple Pay.

So, the ideal place to deposit a foreign check is at a local bank so that you can withdraw money, even though processing may take some time.

Canadian checks are accepted at Walmart Money Centers as long as they are in US currency. However, Check cashing fees and limits apply at Walmart. for financial services. Therefore, the best place to cash a Canadian check is at a cross-border bank with Canada and US locations.

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